Zurich Kotak General Insurance Company Limited Two-Wheeler Insurance

1. No Claims Bonus: In case you do not have a claims history, discounts will be provided. 

1. Fixed Premium: Opting for a tenure that is either 2 years or 3 years will ensure that no annual revision charges will need to be paid. 

1. Several Tenures: You have the option to choose a tenure that ranges from 1 year to 3 years. Additional discounts are offered if you opt for a longer tenure. 

1. Third-Party Liability: In case you have an accident that causes damage to third-party property, cover is provided. Cover is also provided in case the accident leads to injuries or death as well. 

1. Natural Calamities: Cover is provided in the case of any vehicle damages due to rockslide, landslide, cyclone, storm, hurricane, flood, earthquake, etc. 

1. Man-Made Calamities: Cover is provided in the case of any vehicle damages due to rail, terrorist activity, malicious act, strike, riot, theft, burglary, etc.

Process to Apply for a Zurich Kotak General Insurance Company Limited Long Term Two-Wheeler Policy 

The procedure to apply for the Long-Term Two-Wheeler Insurance Policy is mentioned below: 

1. Visit official website of Kotak 

1. Scroll down and click on 'Apply Now'. 

1. On the next page, click on 'Get a quote'. 

1. Next, you will need to enter the details of the vehicle to apply for the insurance policy. 

Exclusions

The main exclusions of the Long-Term Two-Wheeler Insurance Policy are given below: 

1. Wear and tear of parts such as tyres, tubes, brakes, etc. However, cover will be provided in case the damage has been caused because of an accident. 

1. In case the accident has occurred when the vehicle is used for purposes other than its limitations. 

1. Damage or loss that has occurred due to nuclear risk, mutiny, war, etc. 

1. Electrical or mechanical breakdown. 

1. In case the accident has occurred when you are under the influence of liquor or drugs. 

1. In case the accident has occurred when you are driving the vehicle with a license that is not valid. 

1. Consequential loss. 

1. General aging and regular wear and tear.